TECHNICAL SPECIFICATIONS ON

NAPAS QR SWITCHING
<Apply for Member Institution>

PART IV: QR CODE FORMAT

NATIONAL PAYMENT CORPORATION OF VIETNAM

Hanoi, January 2021
 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

CONTENTS
1 AUDIENCE ................................................................................................................ 4
2 SCOPE......................................................................................................................... 4
3 TERMS AND ACRONYMS ..................................................................................... 4
4 CHANGE HISTORY ................................................................................................. 5
5 DATA ORGANIZATION ......................................................................................... 6
5.1 DATA OBJECT ROOT ................................................................................................. 6
5.2 DATA OBJECTS - ROOT ........................................................................................... 13
5.2.1 Payload Format Indicator (ID 00) ................................................................. 13
5.2.2 Point of Initiation Method (ID 01) ................................................................. 13
5.2.3 Merchant Account Information (ID 02-51) .................................................... 13
5.2.3.1 Primitive Payment System Merchant Account Information (ID 02-25) . 13
5.2.3.2 Merchant Account Information Template (ID 26 – 51) .......................... 14
5.2.4 Merchant Category Code (ID 52) .................................................................. 17
5.2.5 Transaction Currency (ID 53) ....................................................................... 19
5.2.6 Transaction Amount (ID 54) ......................................................................... 20
5.2.7 Tip or Convenience Indicator (ID 55) ........................................................... 20
5.2.8 Value of Convenience Fee Fixed (ID 56)....................................................... 21
5.2.9 Value of Convenience Fee Percentage (ID 57) ............................................. 21
5.2.10 Country Code (ID 58) .................................................................................... 21
5.2.11 Merchant Name (ID 59) ................................................................................. 22
5.2.12 Merchant City (ID 60) .................................................................................... 22
5.2.13 Postal Code (ID 61) ....................................................................................... 22
5.2.14 Additional Data Field Template (ID 62)........................................................ 23
5.2.15 CRC (ID 63) ................................................................................................... 25
5.2.16 Data Objects – Merchant Information – Language Template (ID 64) .......... 25
5.2.16.1 Language Preference (ID 00) .................................................................. 26
5.2.16.2 Merchant Name—Alternate Language (ID 01) ....................................... 26
5.2.16.3 Merchant City—Alternate Language (ID 02) ......................................... 26
5.2.17 Data Objects—RFU for EMVCo (ID 65-79) ................................................. 26
5.2.18 Data Objects—Unreserved Templates (ID 80-99)......................................... 26
6 QR CODE EXAMPLE ............................................................................................ 28
6.1 QR PUSH PAYMENT............................................................................................... 28
6.1.1 Static QR with no service code ...................................................................... 28
6.1.2 Static QR with service code ........................................................................... 29
6.1.3 Dynamic QR with no service code ................................................................. 30
6.1.4 Dynamic QR with service code ...................................................................... 31
6.2 QR CASH................................................................................................................. 33
6.3 QR IBFT ................................................................................................................. 34

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6.3.1 Static QR IBFT to Account ............................................................................. 34

6.3.2 Static QR IBFT to Card.................................................................................. 35
6.3.3 Dynamic QR IBFT to Account ....................................................................... 36
6.3.4 Dynamic QR IBFT to Card ............................................................................ 37
7 EFFECTIVE DOCUMENT .................................................................................... 38

Figure List
Table 1 - Data Objects Under the Root of a QR PUSH ...................................................... 7
Table 2 - Data Objects Under the Root of a QR CASH ...................................................... 8
Table 3 – Data Object Under the Root of a QR IBFT ......................................................... 8
Table 4 – Data Object of Additional Data Field Template (ID “62”) of a QR PUSH ........ 9
Table 5– Data Object of Additional Data Field Template (ID “62”) of a QR CASH ...... 10
Table 6 - Data Object of Additional Data Field Template (ID “62”) of a QR IBFT ........ 11
Table 7 - Data Objects for Merchant Information—Language Template (ID "64")........ 12
Table 8 - Data Object ID Allocation in Merchant Account Information Template .......... 14
Table 9 – List of MCCs ..................................................................................................... 17
Table 10 – List of currency code ....................................................................................... 19
Table 11 – List of country code ......................................................................................... 21
Table 12- Additional Data Field Template ........................................................................ 23
Table 13 – Merchant Information – Language Template .................................................. 25
Table 14 - Data Object ID Allocation in Unreserved Templates ...................................... 27

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 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

1 Audience
“Technical Specifications on NAPAS QR Switching” document is intended for the
Member Organizations (MO) of NAPAS include but not limited to Member Banks of
NAPAS and Payment Intermediaries that directly connected to QR switching service.

2 Scope
This document describes the message format of QR switching that NAPAS deploys to
Member Instituations.

3 Terms and Acronyms

The following table describes the terminologies and acronyms used on this document:
No. Terms/Acronyms Description
1 SW Switching system (Switch) of NAPAS
2 ACQ Acquirer
3 ISS Issuer
4 BNB Beneficiary Bank
5 PMI Payment Intermediary
6 MI Member Instituation
7 MO Member Organization (include Member Instituation
and Payment Intermediary)

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4 Change history
Date Version Description
2018-08-06 1.0 1st release
Update detail about MCC at section 5.2.4 – Merchant
2018-10-11 1.1
Category Code (ID 52)
Change Merchant Account Information Template from
ID 26 to ID 38 at following sections :
2018-10-29 1.2 - Section 5.2.3.2 Merchant Account Information
Template ID 26 - 51
- Section 6. QR code example
Change AID at section 5.2.3.2. Merchant Account
Information Template (ID 26 – 51)
2018-11-20 1.3 New AID value is :
- AID: always is “A000000727”
- Add Service ID value for ATM cash withdrawal
service by QR is QRCASH in tag 38
2019-01-30 1.4 - Add tag 52 - MCC for QR on ATM
- Add example for QR Cash
- Add description of tag 62 for QR Cash
- Add Service ID value for IBFT service by QR is
QRIBFT in tag 38
- Add Benefit ID, Consumer ID description for IBFT
by QR in tag 38
2021-01-11 1.5 - Add example for QR IBFT
- Update tag 58 with more detail about Country Code
- Update tag 53 with more detail about Currency Code
- Add tag 62 description for QR IBFT
- Update Service ID for IBFT by QR with values as
QRIBFTTC and QRIBFTTA in tag 38 to
2021-03-03 1.5.1 differentiate between IBFT service to card and
account.
- Add example for QRIBFTTC and QRIBFTTA
- Correct example to create CRC and QR
2021-04-21 1.5.2
- Describe more detail about tag 38

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 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

5 Data Organization
The transactions are processing by Switching QR compliant with EMV QR Code
Merchant Presented.

5.1 Data Object Root

The data contained within a QR Code is organized as follows. Each data object is made up
of three individual fields. The first field is an identifier (ID) by which the data object can
be referenced. The next field is a length field that explicitly indicates the number of
characters included in the third field: the value field. A data object is then represented as
an ID / Length / Value combination, where:
- The ID is coded as a two-digit numeric value, with a value ranging from "00" to "99",
- The length is coded as a two-digit numeric value, with a value ranging from "01" to
"99",
- The value field has a minimum length of one character and maximum length of 99
characters.
A data object that is not encapsulated within a template is said to be under the root of the
QR Code.
The value of an ID is not unique and the data object to which it refers is context specific.
If the ID is not under the root, the context of an ID is defined by the encapsulating template.
As an example: ID "01" that is under the root of the QR Code refers to the Point of Initiation
Method, while ID "01" refers to the Bill Number when it is under the Additional Data Field
Template (that is, within ID "62").
The Payload Format Indicator (ID "00") is the first data object under the root and allows
the mobile application to determine the data representation of the remaining data included
in the QR Code and how to parse the data. The CRC (ID "63") is the last object under the
root and allows the mobile application to check the integrity of the data scanned without
having to parse all of the data objects. The position of all other data objects under the root
or within templates is arbitrary and may appear in any order.
The format of a value field in a data object as follows:
- Numeric (N), data object has numeric format [N] can be represented by all digits,
from "0" to "9". Each numeric alphabet in QR Code includes ten (10) characters
defined in [Unicode].
- Alphanumeric Special (ans), can be represented by the Common Character Set as
defined in [EMV Book 4]. Each Alphanumeric Special alphabet in QR code birnary
characters defined in [Unicode]

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- String (S), represented by any precomposed character(s) defined in [Unicode]. Each

coding character in QR code includes birnary characters defined in [Unicode].
Note: the numeric type is a subset of special characters and special characters are a subset
of String.
Table 1,
Table 2 and Table 3 lists the name of the data object, the ID of the data object, the format
of the value field of the data object, the length of the value field of the data object, and
whether the presence of the data object at the root level of the QR Code is Mandatory (M),
Conditional (C), or Optional (O)
Table 1 - Data Objects Under the Root of a QR PUSH

Data Object ID Format Length Presense

Payload Format Indicator "00" N "02" M
Point of Initiation Method "01" N "02" O

Merchant Account Information "02"- "51" S Var. up to "99" M

Merchant Category Code "52" N "04" M

Transaction Currency "53" N "03" M

Transaction Amount "54" S Var. up to "13" C

Tip or Convenience Indicator "55" N "02" O
Value of Convenience Fee "56" S Var. up to "13" C
Fixed
Value of Convenience Fee "57" S Var. up to "05" C
Percentage
Country Code "58" S "02" M
Merchant Name "59" ans Var. up to "25" M
Merchant City "60" ans Var. up to "15" M
Postal Code "61" ans Var. up to "10" O
Additional Data Field "62" ans Var. up to "99" O
Template
Merchant Information - "64" ans Var. up to "99" O
Language Template
RFU for EMVCo "65"-"79" ans Var. up to "99" O

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Unreserved Templates "80"-"99" ans Var. up to "99" O

CRC (Cyclic Redundancy "63" ans "04" M
Check)

Table 2 - Data Objects Under the Root of a QR CASH

Data Object ID Format Length Presense

Payload Format Indicator "00" N "02" M
Point of Initiation Method "01" N "02" M
Merchant Account Information "02"- "51" S Var. up to "99" M

Merchant Category Code "52" N "04" M

Transaction Currency "53" N "03" M
Transaction Amount "54" S Var. up to "13" C
Tip or Convenience Indicator "55" N "02" O
Value of Convenience Fee "56" S Var. up to "13" C
Fixed
Value of Convenience Fee "57" S Var. up to "05" C
Percentage
Country Code "58" S "02" M
Merchant Name "59" ans Var. up to "25" M
ký tự
Merchant City "60" ans Var. up to "15" M
Postal Code "61" ans Var. up to "10" O
Additional Data Field "62" ans Var. up to "99" M
Template
Merchant Information - "64" ans Var. up to "99" O
Language Template
RFU for EMVCo "65"-"79" ans Var. up to "99" O
Unreserved Templates "80"-"99" ans Var. up to "99" O
CRC (Cyclic Redundancy "63" ans "04" M
Check)

Table 3 – Data Object Under the Root of a QR IBFT

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Data Object ID Format Length Presense

Payload Format Indicator "00" N "02" M

Point of Initiation Method "01" N "02" M
Merchant Account Information "02"- S Var. up to "99" M
"51"
Merchant Category Code "52" N "04" O
Transaction Currency "53" N "03" M
Transaction Amount "54" S Var. up to "13" C
Tip or Convenience Indicator "55" N "02" O
Value of Convenience Fee Fixed "56" S Var. up to "13" O
Value of Convenience Fee "57" S Var. up to "05" O
Percentage
Country Code "58" S "02" M
Merchant Name "59" ans Var. up to "25" O
Merchant City "60" ans Var. up to "15" O
Postal Code "61" ans Var. up to "10" O
Additional Data Field "62" ans Var. up to "99" C
Template
Merchant Information - "64" ans Var. up to "99" O
Language Template
RFU for EMVCo "65"- ans Var. up to "99" O
"79"
Unreserved Templates "80"- ans Var. up to "99" O
"99"
CRC (Cyclic Redundancy "63" ans "04" M
Check)

Table 4, Table 5 and Table 6 list the name of the data object, the ID of the data object, the
value field format of the data object, the value field length of the data object and whether
the presence of the data object within the Additional Data Field Template (ID "62") of the
QR Code are Mandatory (M), Conditional (C), or Optional (O).
Table 4 – Data Object of Additional Data Field Template (ID “62”) of a QR PUSH

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Data Object ID Format Length Presense

Bill Number "01" ans Up to "25" C

Mobile Number "02" ans Up to "25" O

Store Label "03" ans Up to "25" C

characters
Loyalty Number "04" ans Up to "25" O

Reference Label "05" ans Up to "25" C

Customer Label "06" ans Up to "25" O

Terminal Label "07" ans Up to "25" C

Purpose of Transaction "08" ans Up to "25" C

Additional Consumer Data "09" ans Up to "03" O

Request
RFU for EMVCo "10"-"49" ans O

Payment System specific "50"-"99" ans O

templates.

Table 5– Data Object of Additional Data Field Template (ID “62”) of a QR CASH

Data Object ID Format Length Presense

Bill Number "01" ans Up to "25" O

Mobile Number "02" ans Up to "25" O

Store Label "03" ans Up to "25" O

characters
Loyalty Number "04" ans Up to "25" O

Reference Label "05" ans Up to "25" M

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Customer Label "06" ans Up to "25" O

Terminal Label "07" ans Up to "25" M

Purpose of Transaction "08" ans Up to "25" O

Additional Consumer Data "09" ans Up to "03" O

Request
RFU for EMVCo "10"-"49" ans O

Payment System specific "50"-"99" ans O

templates.

Table 6 - Data Object of Additional Data Field Template (ID “62”) of a QR IBFT

Data Object ID Format Length Presense

Bill Number "01" ans Up to "25" C

Mobile Number "02" ans Up to "25" C

Store Label "03" ans Up to "25" O

characters
Loyalty Number "04" ans Up to "25" O

Reference Label "05" ans Up to "25" C

Customer Label "06" ans Up to "25" C

Terminal Label "07" ans Up to "25" O

Purpose of Transaction "08" ans Up to "25" C

Additional Consumer Data "09" ans Up to "03" O

Request
RFU for EMVCo "10"-"49" ans O

Payment System specific "50"-"99" ans O

templates.

Each of the data objects with IDs "01" to "08" in Table 6 can be used in two ways: either
the merchant can provide both the ID and its meaningful value, or the merchant can include

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 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

the ID with a special value to have the mobile application prompt the consumer to input
this information.
To prompt the consumer for one or more of these values, the merchant includes the
respective IDs in this template each with a length of "03" and with a value equal to "***".
When the consumer is prompted by the mobile application to enter a value for any of these
data objects, the length of the value to be entered should not exceed the length as indicated
in Table 6.
The data object with the ID "09" contains one or more values that indicate to the mobile
application the data to provide as part of the transaction initiation request. This data should
already be known by the mobile application, and the consumer should not be unnecessarily
prompted for the data.
One or more of the following characters may appear in the Additional Consumer Data
Request (ID "09"), to indicate that the corresponding data should be provided in the
transaction initiation to complete the transaction:
- "A" = Address of the consumer
- "M" = Mobile number of the consumer
- "E" = Email address of the consumer
If more than one character is included, it means that each data object corresponding to the
character is required to complete the transaction. Note that each unique character should
appear only once.
Table 7 lists the name of the data object, the ID of the data object, the value field format of
the data object, the value field length of the data object, and whether the presence of the
data object within the Merchant Information—Language Template (ID "64") of the QR
Code is Mandatory (M), Conditional (C), or Optional (O).
These data objects may be used by a mobile application to present the merchant information
in an alternate language.
Table 7 - Data Objects for Merchant Information—Language Template (ID "64")

Data Object ID Format Length Presense

Language Preference "00" ans "02" M
Merchant Name - "01" S Var. up to "25" M
Alternate Language
Merchant City - "02" S Var. up to "15" O
Alternate Language
RFU for EMVCo "03"–"99" S Var. up to "99"

The data objects with IDs "01" and "02" are used as an addition to the merchant information
under the root. While the equivalent data objects under the root are defined with a format

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 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

of Alphanumeric Special, and as such can only contain the Common Character Set, these
data objects, if present, are defined with a format of String, so therefore may contain a
different character set.

5.2 Data Objects - Root

5.2.1 Payload Format Indicator (ID 00)

Format: N
Length: 2
Presense: Mandatory
Description: Payload Format Indicator is the first data object in QR code, indicate the QR
format indicator and conventions about ID, Length, Value. The Payload Format Indicator
shall contain a value of "01". All other values are RFU.

5.2.2 Point of Initiation Method (ID 01)

Format: N
Length: 2
Presense: Optional
Description: Initiation method indicates interface technology and data differentiation is
dynamic or static.
- “11” = Static QR – apply when allows a QR code to process more than one
transaction.
- “12” = Dynamic QR – apply when allow a QR code to process only one transaction.

5.2.3 Merchant Account Information (ID 02-51)

Format: S
Length: var. up to 99
Presense: Mandatory
Description: Merchant Account Information indicates a specific merchant. QR IBFT
indicates beneficial consumer and beneficial bank.

5.2.3.1 Primitive Payment System Merchant Account Information (ID 02-25)

ID 02-25 are registed for International Organization, include:
ID 02-03: Reserved for Visa;
ID 04-05: Reserved for Mastercard;
ID 06-08: Reserved for EMVCo;

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ID 09-10: Reserved for Discover;

ID 11-12: Reserved for Amex;
ID 13-14: Reserved for JCB;
ID 15-16: Reserved for UnionPay;
ID 17-25: Reserved for EMVCo.

5.2.3.2 Merchant Account Information Template (ID 26 – 51)

ID 26-51 are used for Payment Intermediaries or Other banks outside above Payment
Instituation listed at ID 02-25. ID 38 is used for QR code service on NAPAS system.
Table 8 - Data Object ID Allocation in Merchant Account Information Template

Name ID Format Length Presense Comment

Global Unique “00” S Var. up M An identifier that sets the context
Identifier - GUID to “32” of the data as follows:
- AID: always has value as
“A000000727”.
Payment network "01" S M Association of data objects to
specific (Member IDs and type of data object is
banks, Payment specified to the Globally Unique
Intermediaries) Identifier.
Sub Len For Descripti
tab gth mat on
00 6 S Acquier
ID/BNB
ID
01 Var. S Merchant
up ID/Consu
to mer ID
19
For example:
00069704030116211299504460
4025
Include
Sub Length Value
tab
00 06 970403
01 16 211299504
4604025

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Service Code “02” S “10” C Identify data of each service, in

case of QR have no service code
with meaning as QRPUSH
service:
- QRPUSH: Product
payment service by QR
- QRCASH: Cash withdrawl
service at ATM by QR
- QRIBFTTC: Inter-Bank
Fund Transfer 24/7 to Card
service by QR
- QRIBFTTA: Inter-Bank
Fund Transfer 24/7 to
Account service by QR

5.2.3.2.1 Global Unique Identifier - GUID (ID 00):

Has format as numeric with length up to 32 characters, specifically NAPAS AID is
A000000727.
5.2.3.2.2 Payment network specific (ID 01):
Include 02 parts:
- ACQ ID/BNB ID: Banks in Vietnam can use BIN code that was registered by State
Bank of Vietnam. For example: 970403.
- Merchant ID/Consumer ID: alphanumeric special (ans) with length upto 19
characters. Merchant ID value may be Tax identification number, Business code,
Business registration number or Identification number, optional string character
according to specified by acquirer bank. Consumer ID value is an account number
of customer open at Beneficial bank (BNB ID).
5.2.3.2.3 Service code (ID 02):
Identify data of each service, in case of QR have no service code with meaning as
QRPUSH service.
Value Meaning
QRPUSH Payment service code by QR

QRCASH Cash withdrawl service code at ATM by QR

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QRIBFTTC Inter-Bank Fund Transfer 24/7 to Card service code by QR

QRIBFTTA Inter-Bank Fund Transfer 24/7 to Account service code by QR

5.2.3.2.4 Example:
Example 1: QRPUSH service
38580010A00000072701300006970403011621129950446040250206QRPUSH

Name ID Length Value

Global Unique 00 10 A000000727

Identifier -
GUID

Payment 01 30 Sub Length Value Description

network tab
specific
00 06 970403 ACQ ID
(Member
bank, Payment
01 16 2112995044604025 Merchant
Intermediaries)
ID belong
to ACQ ID

Service code 02 06 QRPUSH

Example 2: QRCASH service

“38500010A000000727012200069704030108123456780206QRCASH”

Name ID Length Value

Global Unique 00 10 A000000727

Identifier -
GUID

Payment 01 22 Sub Length Value Description

network tab
specific
00 06 970403 ACQ ID
(Member bank,
Payment
01 08 12345678 ATM ID
Intermediaries)

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Service code 02 06 QRCASH

Example 3: Inter-Bank Fund Transfer 24/7 to Account service code by QR

38570010A00000072701270006970468011300110099504460208QRIBFTTA

Name ID Length Value

Global Unique 00 10 A000000727

Identifier -
GUID

Payment 01 27 Sub Length Value Description

network tab
specific 06 970468 BNB ID
(Member bank, 00
Payment
01 13 0011009950446 Consumer
Intermediaries)
ID

Service code 02 08 QRIBFTTA

5.2.4 Merchant Category Code (ID 52)

Format: N
Length: 4
Presence: Mandatory
Description: Merchant Category Code as defined by ISO 18245 and assigned by Payment
Instituation. This MCC should indicate the Merchant Category Code of the merchant.
List of MCC as follows:
Table 9 – List of MCCs

MCC Meaning

5139 Commercial Footwear

5192 Books, Periodicals, and Newspapers

5231 Glass, Paint, Wallpaper Stores

5411 Supermarkets, Grocery Stores

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5611 Men’s and Boy’s Clothing and Accessories Stores

5621 Women’s Ready-to-Wear Stores

5631 Women’s Accessory and Specialty Shops

5641 Children’s and Infant’s Wear Stores

5651 Family Clothing Stores

5661 Shoe Stores

5691 Men’s and Women’s Clothing Stores

5734 Computer Software Stores

5812 Eating places and Restaurants

Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges,
5813 Nightclubs and Discotheques

5814 Fast Food Restaurants

5912 Drug Stores and Pharmacies

5921 Package Stores – Beer, Wine, and Liquor

5832 Antique Shops – Sales, Repairs, and Restoration Services

5940 Bicycle Shops – Sales and Service

5941 Sporting Goods Stores

5942 Book Stores

5943 Stationery Stores, Office and School Supply Stores

5944 Watch, Clock, Jewelry, and Silverware Stores

5945 Hobby, Toy, and Game Shops

5946 Camera and Photographic Supply Stores

5947 Card Shops, Gift, Novelty, and Souvenir Shops

5977 Cosmetic Stores

5992 Florists

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5995 Pet Shops, Pet Foods, and Supplies Stores

6011 Financial Institutions – Manual Cash Disbursements

Lodging – Hotels, Motels, Resorts, Central Reservation Services (not

7011 elsewhere classified)

7211 Laundry Services - Family and Commercial

7216 Dry Cleaners

7298 Health and Beauty Shops

8062 Hospitals

5.2.5 Transaction Currency (ID 53)

Format: N
Length: 3
Presence: Mandatory
Description: The Transaction Currency shall conform to [ISO 4217] and shall contain the
3-digit numeric representation of the currency. The value should indicate the transaction
currency that consumer can recorgize by mobile application while transaction amount is
presented or consumer inputs the transaction amount.
Table 10 – List of currency code

Currency Code Meaning

JPY 392 Japanese Yen

KRW 410 Korean Won

MYR 458 Malaysian Ringgit

CNY 156 Chinese yuan

IDR 360 Indonesian Rupiah

PHP 608 Philippine Peso

SGD 702 Singapore Dollar

THB 764 Thai Baht

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VND 704 Vietnamese Dong

5.2.6 Transaction Amount (ID 54)

Format: S
Length: var. up to 13
Presence: Conditional option
Description:
If present, transaction amount is represented for consumers on mobile application. The
Transaction Amount shall be different from zero, shall only include (numeric) digits "0" to
"9" and may contain a single "." character as the decimal mark. When the amount includes
decimals, the "." character shall be used to separate the decimals from the integer value and
the "." character may be present even if there are no decimals.
The number of digits after the decimal mark should align with the currency exponent
associated to the currency code defined in ISO 4217.
The above describes the only acceptable format for the Transaction Amount. It cannot
contain any other characters (for example, no space character can be used to separate
thousands).
For example: valid Transaction Amounts: "50000", "50000."
Invalid Transaction Amounts: "50 000"
If The Transaction Amount shall not be available on the mobile application, then consumer
will input the Transaction Amount.

5.2.7 Tip or Convenience Indicator (ID 55)

Format: N
Length: 2
Presense: Conditional option
Description: If present, the Tip or Convenience Indicator shall contain a value of "01", "02"
or "03". All other values are RFU.
A value of "01" shall be used if the mobile application should prompt the consumer to enter
a tip to be paid to the merchant.
A value of "02" shall be used to indicate inclusion of the data object Value of Convenience
Fee Fixed (ID "56").
A value of “03” shall be used to indicate inclusion of the data object Value of Convenience
Fee Percentage (ID “57”).
Note that even if the Transaction Amount is not present in the QR Code, this data object
may still be present.

Part IV – QR Message Format Page 20

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

5.2.8 Value of Convenience Fee Fixed (ID 56)

Format: S
Length: var. up to 13
Presense: Conditional option
Description:
If the data object Tip or Convenience Indicator (ID "55") is present with a value of "02"
thenthis data object shall be absent, then the Value of Convenience Fee Fixed shall be
present. Value of Convenience Fee Fixed will be presented for consumer by mobile
application. The Value of Convenience Fee Fixed is different from zero, only include
(numeric) digits “0” to “9” and may contain a single “.” character as the decimal mark.
When the Value of the Convenience Fee Fixed includes decimals, the "."character shall be
used to separate the decimals from the integer value.
If ID “55” has value other than “02” then ID 56 shall not be presented.

5.2.9 Value of Convenience Fee Percentage (ID 57)

Format: S
Length: var. up to 5
Presense: Conditional option
Description:
If the data object Tip or Convenience Indicator (ID "55") is present with a value of "03"
then The Value of Convenience Fee Percentage shall be present and only values between
“00.01” and “99.99” shall be used. The Value of Convenience Fee Percentage shall only
include (numeric) digits "0" to "9" and may contain a single "." character as the decimal
mark. The "." character shall be used to separate the decimals from the integer value and
the "." character may be present even if there are no decimals.
The Value of Convenience Fee Percentage shall not contain any other characters. For
example, the “%” character must not be included.
If ID 55 has value other than “03” then ID shall not be presented.

5.2.10 Country Code (ID 58)

Format: S
Length: 02 characters
Presense: Mandatory
Description: The Country Code shall contain a value as defined by [ISO 3166-1 alpha 2].
The Country Code should indicate the country in which the merchant transacts.
Table 11 – List of country code

Part IV – QR Message Format Page 21

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Country Code Meaning

JP Japan

KR Korea

MY Malaysia

RC China

RI Indonesia

RP Philippines

SG Singapore

TH Thailand

VN Viet Nam

5.2.11 Merchant Name (ID 59)

Format: ans
Length: var. up to 25
Presense: Mandatory
Description: The Merchant Name shall be present, should display to customer on mobile
application during transaction processing.

5.2.12 Merchant City (ID 60)

Format: ans
Length: var. up to 15
Presense: Mandatory
Description: The Merchant City should indicate the city of the merchant's physical location.

5.2.13 Postal Code (ID 61)

Format: ans
Length: var. up to 10
Presense: Optional

Part IV – QR Message Format Page 22

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Description: If present, the Postal Code should indicate the postal code of the merchant’s
physical location. Depending on the country, the Postal code is the Zip code or PIN code
or Postal code of the merchant.

5.2.14 Additional Data Field Template (ID 62)

Format: ans
Length: var. up to 99 characters
Presense: Optional
Description: the Additional Data Field Template shall provide additional data in differenct
cases and contain at least 1 data object.
Table 12- Additional Data Field Template

Name ID Format Length Presense Description

Bill Number "01" ans Var. up to O The invoice number or
"25" bill number is provided
by merchant or consumer
input into mobile
application.
Mobile Number "02" ans Var. up to O Mobile phone number
"25" shall be provided by
merchant or consumer
input.
Store Label "03" ans Var. up to O A distinctive number
"25" associated to a store. This
value shall be provided
by merchant or consumer
input.
Loyalty "04" ans Var. up to O As typically loyalty card
Number "25" number. This number
shall be provided by
merchant or consumer
inputs their loyalty card
number.
Reference "05" ans Var. up to O Any value as defined by
Label "25" the merchant or acquirer
in order to identify the
transaction.

Part IV – QR Message Format Page 23

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Customer Label "06" ans Var. up to O This value could be

"25" identification, mobile
phone number or invoice
number of consumer
Terminal Label "07" ans Var. up to O A distinctive number
"25" associated to a terminal
in the store.
Purpose of "08" ans Var. up to O Any value in order to
Transaction "25" define the purpose of the
transaction, for example:
billing, topup or
purchase, etc…

Additional "09" ans Var. up to O One or more following

Consumer Data "03" characters may appear,
Request characters indicate that the
corresponding data shall
be provided during
transaction initialization:
• "A" = Consumer
address
• "M" = Consumer
mobile phone number
• "E" = Consumer email
address
RFU for "10"- S O Templates reserved for
EMVCo "49" EMVCo
Payment "50"- S O
System specific "99"
templates.

- If present, Additional Data Field Template (ID 62) will include at least a data object
and total of length of all data objects in ID 62 not exceed 99 characters
- If present, the content of the data object value for IDs "01" to "08" shall be either
"***" or a value defined by the merchant. The presence of "***" indicates that the
mobile application is responsible for obtaining the necessary information.

Part IV – QR Message Format Page 24

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

- the Additional Consumer Data Request (ID "09") shall contain any combination of
the characters: "A", "M" and/or "E", and there shall only be a single instance of each
of these characters.
- If a Payment System Specific Template (ID50-99) appears then it shall contain a
primitive Globally Unique Identifier data object with a data object ID "00" as follows:

• An AID consisting of a RID registered with ISO/IEC 7816-5, and optional, a

PIX as defined by ISO 7816-4
For example: “A000000727”.

• An UUID without the hyphen (-) separators.

For example: “581b314e257f41bfbbdc6384daa31d16”.
• A reverse domain name.
For example: “vn.com.napas.qrcodeservice”.

5.2.15 CRC (ID 63)

Format: ans
Length: var. up to 4
Presense: Mandatory
Description: The checksum shall be calculated according to [ISO/IEC 13239] using the
polynomial '1021' (hex) and initial value 'FFFF' (hex). The data over which the checksum
is calculated shall cover all data objects, including their ID, Length and Value, to be
included in the QR Code, in their respective order, as well as the ID and Length of the CRC
itself (but excluding its Value). Refer to CRC creation at Section 6.

5.2.16 Data Objects – Merchant Information – Language Template (ID 64)

Format: ans
Length: var. up to 99
Presense: Optional
Description: Merchant Information – it shall contain the Language Preference and
Merchant Name—Alternate Language using a character set different with a common
character set.
Table 13 – Merchant Information – Language Template

Name ID Format Length Presense

Language Preference "00" ans "02" M
Merchant Name - Alternate "01" S Var. up to "25" M
Language

Part IV – QR Message Format Page 25

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Merchant City - Alternate "02" S Var. up to "15" O

Language
RFU for EMVCo "03"–"99" S Var. up to "99"

5.2.16.1 Language Preference (ID 00)

Format: ans
Length: 2
Presense: Mandatory
Description: Language Preference shall contain 2 alphabetical characters coded to a value
defined by [ISO 639]. The value should represent the single language used to encode the
Merchant Name - Alternate Language and the optional Merchant City - Alternate
Language.

5.2.16.2 Merchant Name—Alternate Language (ID 01)

Format: S
Length: tối đa 25
Presense: Mandatory
Description: Merchant Name is in the merchant’s local language.

5.2.16.3 Merchant City—Alternate Language (ID 02)

Format: S
Length: var. up to 15 characters
Presense: Optional
Description: Merchant City is in the merchant’s local language.

5.2.17 Data Objects—RFU for EMVCo (ID 65-79)

Format: ans
Length: var. up to 99
Presense: Optional
Description: Data objects in this range are reserved for future use for EMVCo.

5.2.18 Data Objects—Unreserved Templates (ID 80-99)

Format: ans
Length: var. up to 99
Presense: Optional
Description:

Part IV – QR Message Format Page 26

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

- QR code may contains zero or more Unreserved Templates.

- Unreserved Templates can be allocated and used by other parties, such as (domestic)
payment systems and value-added service providers, for their own products. They
can then define the meaning, representation and format. Each payment system
provider or value-added service provider puts their data in a separate Unreserved
Template ID. For example, the first set of data is placed in ID “80”, the second set
of data is placed in ID “81”, and so on.
Table 14 - Data Object ID Allocation in Unreserved Templates

Name ID Format Length Presense Comment

Globally "00" ans Var. up to M An identifier that sets the
Unique "32" context of the data that
Identifier- characters follows:
GUID - AID
- UUID without the
hyphen (-) separator;
- A reverse domain
name.
Context "01"- S O Association of data objects
specific data "99" to IDs and type of data object
is specific to the Globally
Unique Identifier

If present, an Unreserverd Template shall contain following data:

- GUID (ID “00”) contains one of following data:

• An Application Identifier (AID) consisting of a RID registered with ISO 7816-

5 and, optionally, a PIX, as defined by ISO 7816-4.
For example: "A000000727".
• A [UUID] without the hyphen (-) separators.
For example: “581b314e257f41bfbbdc6384daa31d16”.
• A reverse domain name.
For example: “vn.com.napas.qrcodeservice”

Specific range data (ID “01” – “99”): a combination of data object with ID and specific
data type with GUID.

Part IV – QR Message Format Page 27

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

6 QR code example

6.1 QR PUSH Payment

6.1.1 Static QR with no service code

00020101021138480010A0000007270130000697040301162112995044604025520458125303
7045802VN5910PHUONG CAC6005HANOI62110307NPS68696304922963045802

Data Object ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

Merchant Account 38 48 0010A000000727

Information 0130000697040301162112995044
604025
Merchant Category Code 52 04 5812

Transaction Currency 53 03 704

Country Code 58 02 VN

Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

Additional Data Field 62 11 0307NPS6869

Template

CRC (Cyclic Redundancy 63 04 5802

Check)

QR generation steps:

Steps Input Expected result

Generate CRC 00020101021138480010A0 5802
http://www.lammertbie 00000727013000069704030
s.nl/ 11621129950446040255204
581253037045802VN5910P

Part IV – QR Message Format Page 28

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

comm/info/crc- HUONG
calculation.html CAC6005HANOI62110307
NPS68696304
Generate QR code 00020101021138480010A0
https://www.the- 00000727013000069704030
qrcode-generator.com/ 11621129950446040255204
581253037045802VN5910P
HUONG
CAC6005HANOI62110307
NPS686963045802

6.1.2 Static QR with service code

00020101021138580010A00000072701300006970403011621129950446040250206QRPUS
H5204581253037045802VN5910PHUONG
CAC6005HANOI62110307NPS68696304922963043820

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 11

Merchant Account 38 58 0010A000000727

Information 01300006970403011621129
95044604025
0206QRPUSH
Merchant Category Code 52 04 5812

Transaction Currency 53 03 704

Country Code 58 02 VN

Merchant Name 59 10 PHUONG CAC

Merchant City 60 05 HANOI

Additional Data Field 62 11 0307NPS6869

Template

Part IV – QR Message Format Page 29

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

CRC (Cyclic Redundancy 63 04 3820

Check)

QR generation steps:
Steps Input Expected result
00020101021138580010A0 3820
Generate CRC
00000727013000069704030
http://www.lammertbie
11621129950446040250206
s.nl/
QRPUSH520458125303704
comm/info/crc-
5802VN5910PHUONG
calculation.html
CAC6005HANOI62110307
NPS68696304
Generate QR code 00020101021138580010A0
https://www.the-qrcode-
00000727013000069704030
generator.com/ 11621129950446040250206
QRPUSH520458125303704
5802VN5910PHUONG
CAC6005HANOI62110307
NPS686963043820

6.1.3 Dynamic QR with no service code

00020101021238480010A0000007270130000697040301162112995044604025520458125303
70454061800005802VN5910PHUONG CAC6005HANOI62110307NPS6869630479EE

Name ID Length Value

Payload Format Indicator 00 02 01

Point of Initiation Method 01 02 12

Merchant Account Information 38 48 0010A000000727

013000069704030116211299504
4604025
Merchant Category Code 52 04 5812
Transaction Currency 53 03 704
Transaction Amount 54 06 180000
Country Code 58 02 VN
Merchant Name 59 10 PHUONG CAC

Part IV – QR Message Format Page 30

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Merchant City 60 05 HANOI

Additional Data Field 62 11 0307NPS6869

Template
CRC (Cyclic Redundancy 63 04 79EE
Check)

QR generation steps:

Steps Input Expected result

Generate CRC 00020101021238480010A000 79EE

http://www.lammertbie 000727013000069704030116
s.nl/ 2112995044604025520458125
comm/info/crc- 30370454061800005802VN591
calculation.html 0PHUONG CAC6005HANOI
62110307NPS68696304

Generate QR code 00020101021238480010A000

https://www.the- 000727013000069704030116
qrcode-generator.com/ 2112995044604025520458125
30370454061800005802VN591
0PHUONG CAC6005HANOI
62110307NPS6869630479EE

6.1.4 Dynamic QR with service code

00020101021238580010A00000072701300006970403011621129950446040250206QR
PUSH52045812530370454061800005802VN5910PHUONG
CAC6005HANOI62110307NPS686963047C1B
Name ID Length Value
Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 12
Merchant Account Information 38 58 0010A000000727
013000069704030116211299504
4604025

Part IV – QR Message Format Page 31

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

0206QRPUSH
Merchant Category Code 52 04 5812
Transaction Currency 53 03 704
Transaction Amount 54 06 180000
Country Code 58 02 VN
Merchant Name 59 10 PHUONG CAC
Merchant City 60 05 HANOI
Additional Data Field 62 11 0307NPS6869
Template
CRC (Cyclic Redundancy 63 04 7C1B
Check)

QR generation steps:

Steps Input Expected result

Generate CRC 00020101021238580010A000 7C1B

http://www.lammertbie 000727013000069704030116
s.nl/ 21129950446040250206QRP
comm/info/crc- USH520458125303704540618
calculation.html 00005802VN5910PHUONG
CAC6005HANOI62110307N
PS68696304

Generate QR code 00020101021238580010A000

https://www.the- 000727013000069704030116
qrcode-generator.com/ 21129950446040250206QRP
USH520458125303704540618
00005802VN5910PHUONG
CAC6005HANOI62110307N
PS686963047C1B

Part IV – QR Message Format Page 32

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

6.2 QR Cash
00020101021238500010A000000727012200069704030108123456780206QRCASH52046011
53037045802VN5915NGUYEN HUU
HUAN6005HANOI6237052120190109155714228384707080000111163041009

Name ID Length Value

Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 12
Merchant Account 38 50 0010A000000727
Information 01220006970403010812345678
0206QRCASH

Merchant Category Code 52 04 6011

Transaction Currency 53 03 704
Country Code 58 02 VN
Merchant Name 59 15 NGUYEN HUU HUAN
Merchant City 60 05 HANOI
Additional Data Field 62 37 0521201901091557142283847
Template 0708000011111

CRC (Cyclic Redundancy 63 04 1009

Check)
QR generation steps:

Steps Input Expected result

Generate CRC 00020101021238500010A000 1009

http://www.lammertbie 000727012200069704030108
s.nl/ 123456780206QRCASH5204
comm/info/crc- 601153037045802VN5915N
calculation.html GUYEN HUU
HUAN6005HANOI62370521
201901091557142283847070
8000011116304

Part IV – QR Message Format Page 33

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Generate QR code 00020101021238500010A000

https://www.the- 000727012200069704030108
qrcode-generator.com/ 123456780206QRCASH5204
601153037045802VN5915N
GUYEN HUU
HUAN6005HANOI62370521
201901091557142283847070
80000111163041009

6.3 QR IBFT

6.3.1 Static QR IBFT to Account

00020101021138570010A00000072701270006970403011200110123456780208QRIBFTTA53
037045802VN6304F4E5

Name ID Length Value

Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 11
Consumer Account Information 38 57 0010A000000727
012700069704030113001101234
5678
0208QRIBFTTA
Transaction Currency 53 03 704
Country Code 58 02 VN
CRC (Cyclic Redundancy 63 04 F4E5
Check)
QR generation steps:

Steps Input Expected result

Generate CRC 00020101021138570010A000 F4E5

http://www.lammertbie 000727012700069704030112
s.nl/ 00110123456780208QRIBFT
comm/info/crc- TA53037045802VN6304
calculation.html

Part IV – QR Message Format Page 34

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Generate QR code 00020101021138570010A000

https://www.the- 000727012700069704030112
qrcode-generator.com/ 00110123456780208QRIBFT
TA53037045802VN6304F4E
5

6.3.2 Static QR IBFT to Card

00020101021138600010A00000072701300006970403011697040311012345670208QRI
BFTTC53037045802VN63044F52

Name ID Length Value

Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 11
Consumer Account Information 38 60 0010A000000727
0130000697040301169704031101
234567
0208QRIBFTTC
Transaction Currency 53 03 704
Country Code 58 02 VN
CRC (Cyclic Redundancy 63 04 4F52
Check)
QR generation steps:

Steps Input Expected result

Generate CRC 00020101021138600010A000 4F52

http://www.lammertbie 000727013000069704030116
s.nl/ 97040311012345670208QRI
comm/info/crc- BFTTC53037045802VN6304
calculation.html

Part IV – QR Message Format Page 35

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

Generate QR code 00020101021138600010A000

https://www.the- 000727013000069704030116
qrcode-generator.com/ 97040311012345670208QRI
BFTTC53037045802VN
63044F52

6.3.3 Dynamic QR IBFT to Account

00020101021238570010A00000072701270006970403011300110123456780208QRIBF
TTA530370454061800005802VN62340107NPS68690819thanh toan don
hang63042E2E

Name ID Length Value

Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 12
Consumer Account Information 38 57 0010A000000727
0127000697040301130011012345
678
0208QRIBFTTA
Transaction Currency 53 03 704
Transaction Amount 54 06 180000
Country Code 58 02 VN
Additional Data Field Template 62 34 0107NPS6869
0819thanh toan don hang
CRC (Cyclic Redundancy 63 04 2E2E
Check)
QR generation steps:

Steps Input Expected result

Generate CRC 00020101021238570010A000 2E2E

http://www.lammertbie 000727012700069704030113
s.nl/ 00110123456780208QRIBFT
TA530370454061800005802

Part IV – QR Message Format Page 36

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

comm/info/crc- VN62340107NPS68690819th
calculation.html anh toan don hang6304
Generate QR code 00020101021238570010A000
https://www.the- 000727012700069704030113
qrcode-generator.com/ 00110123456780208QRIBFT
TA530370454061800005802
VN62340107NPS68690819th
anh toan don hang63042E2E

6.3.4 Dynamic QR IBFT to Card

00020101021138600010A00000072701300006970403011697040311012345670208QRI
BFTTC53037045802VN6304A203

Name ID Length Value

Payload Format Indicator 00 02 01
Point of Initiation Method 01 02 12
Consumer Account Information 38 60 0010A000000727
0130000697040301169704031101
234567
0208QRIBFTTC
Transaction Currency 53 03 704
Transaction Amount 54 06 180000
Country Code 58 02 VN
Additional Data Field Template 62 34 0107NPS6869
0819thanh toan don hang
CRC (Cyclic Redundancy 63 04 A203
Check)
QR generation steps:

Steps Input Expected result

Generate CRC 00020101021238600010A000 A203
0007270130000697040301169
7040311012345670208QRIBF

Part IV – QR Message Format Page 37

 Technical Specifications on NAPAS QR Switching (Version 1.5.2)

http://www.lammertbie TTC530370454061800005802
s.nl/ VN62340107NPS68690819tha
comm/info/crc- nh toan don hang6304
calculation.html
Generate QR code 00020101021238600010A000
https://www.the- 0007270130000697040301169
qrcode-generator.com/ 7040311012345670208QRIBF
TTC530370454061800005802
VN62340107NPS68690819tha
nh toan don hang6304A203

7 Effective document
The Technical Specification takes effect from 2021.

Part IV – QR Message Format Page 38